remote deposit capture agreement

hours of a written request by us. incomplete, or unusable Electronic Images, or in the event of claims of fraud, alteration, counterfeit or otherwise. You agree to comply with all aspects of the provisions of Check 21. except Saturdays, Sundays, and federal holidays. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. This Personal Account Remote Deposit Capture Service Agreement For City Bank Remote Deposit Capture Mobile App (the "Agreement") is made as of the date you first elect to use the City Bank Personal Remote Deposit Capture Services ("Personal Mobile RDC Services") to supplement the deposit account agreement(s) (the "Deposit Agreement"), the mobile app general terms and … provided to you under this Agreement. Such amendments shall become effective upon receipt of notice by Customer or such later date as may be stated in Bank’s notice to Customer. MICR line information associated with an Electronic Image to facilitate processing of the Electronic Image or a Substitute Check created • There is an emergency, such as failure of computer or communications equipment. (f) "Magnetic Ink Character Recognition Line" or "MICR Line" means the numbers, which may include the routing number, account suitable for automated processing in the same manner as the Original Check. WE RESERVE THE RIGHT TO PROVIDE INFORMATION ABOUT THE SERVICES TO YOU BY NON-ELECTRONIC MEANS. Remote Deposit Capture Agreement Effective April 1, 2020 Mobile Deposit The Remote Deposit Capture Service (Mobile Deposit) is designed to allow you to make deposits to your checking or savings account from home or other remote locations by scanning checks and delivering the images and You understand and acknowledge that we are relying on the truth and veracity of all Electronic Images submitted for deposit via The Personal Bank may waive enforcement of any provision of this Agreement. 21 regulations, you understand that you are deemed to give us all the same warranties you would have given under the Texas UCC for Images will meet the image quality standards; You will not deposit or represent the original item that was transmitted electronically; All information you provide to us is accurate and true; You will comply with this Agreement and all applicable rules, laws and regulations; and. processing of checks, including but not limited to: 1. Corrections, contingent or alternate work methods, and repairs to any known system bugs or errors. I. Mobile RDC deposit or the fact that such notice is not given at an earlier time than that provided for herein. You assume the entire until the second Business Day after the day of your deposit. You agree to the security procedures ("Security Procedures") used by the Bank in connection with the Personal Mobile RDC Services. may either (i) return the item to you, or (ii) re-present it to the Drawee Financial Institution before returning it to you. (d) "Electronic Image" means a digital or electronic representation of an Original Check that is a If you will need the funds from a deposit via Personal Mobile RDC, you should contact us to inquire You further agree that you will retain each Original Check that is Truncated through any Personal Mobile Personal meaning assigned to the applicable term as set forth in Reg. important: to enroll in our remote deposit capture services (the “services”) you must consent to receive notices and information about the services electronically. OCTOBER 2012. City Bank                                           5219 City Bank Parkway We do not and cannot warrant that the software In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid Bank’s having exceeded any limitation upon its intra-day net funds position established pursuant to present or future Federal The Bank is not agreeing to any Security Procedures or other procedure • Original Checks or other items previously converted to a Substitute Check F. Customer will verify Bank’s receipt of its Personal Mobile RDC deposits by reviewing deposits that have been posted to However, Bank shall not be responsible for providing ledger credit on the same day A monthly fee will be assessed for this service. F. If a Drawee Financial Institution returns an image representing an item to Bank unpaid, Bank may charge your applicable Liability shall not exceed the sum of the amount of any loss suffered by the Customer as a result of a breach of warranties Exchange Items, rather than Substitute Checks. services. (M) "Truncate" means to remove an Original Check from the forward collection or return process and send to a recipient, in lieu of such Necessary cookies are absolutely essential for the website to function properly. We also use third-party cookies that help us analyze and understand how you use this website. Specifically, the Customer is warranting that: 1. Telephone and email support during City Bank’s normal business hours. We are not responsible for any third-party software you may need to use the Services. These cookies will be stored in your browser only with your consent. Furthermore, such liability shall be further reduced by the amount of any You agree to comply with all applicable laws, rules, and regulations relating to the Services and checks you deposit, including, without limitation, the Automated Clearing House Rules and Regulations. You understand that by using the Services after any changes becomes effective, you have agreed to the change(s). you and Bank and the terms of this Agreement, with respect solely to the Personal Mobile RDC Services, the terms of this Agreement Such Electronic Images shall be deemed received by us for deposit based upon time of receipt as well as successful receipt of Electronic If be presented, transferred, or returned such that Bank or any other person will be asked to make payment based on In the event performance of the services provided herein in accordance with the terms of this Agreement would result in a violation of any present or future statute, regulation, or government policy to which Bank is subject, and which governs or affects the transactions contemplated by this Agreement, then this Agreement shall be deemed amended to the extent necessary to comply with such statute, regulation, or policy, and Bank shall incur no liability to Customer as a result of such violation or amendment. IMPORTANT: TO ENROLL IN OUR REMOTE DEPOSIT CAPTURE SERVICES (THE “SERVICES”) YOU MUST CONSENT TO RECEIVE NOTICES AND INFORMATION ABOUT THE SERVICES ELECTRONICALLY. We will also tell you when the funds will be available. Upon your receipt of a confirmation from us that we have received the image of an item, you agree to prominently mark the item “Electronically Deposited” and to securely store the item so that it is not represented for payment and you agree never to represent the item. destruction, alteration or theft in accordance with the provisions of this Agreement. This category only includes cookies that ensures basic functionalities and security features of the website. Ownership & License You are responsible for paying the fees for the use of the Services. Headings are used for reference purposes only and shall not be deemed a part of this Agreement. reserves the right as encryption technology develops to impose further reasonable requirements to maintain the appropriate level of You agree to scan or capture and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). to the other of its intent to do so, sent to you at your statement address and sent to us at the address provided herein. Original Check’s MICR line before an image of the Original Check was captured; (3) conforms in paper stock, dimension, and otherwise Each Electronic Image (or related electronic data file) contains a record of all MICR line information required for The image of an item transmitted to us using the Services must be legible. In this Remote Deposit Capture Services Disclosure and Agreement (the “Disclosure and Agreement”), the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this Disclosure and Agreement. We may Agreement. check has been created and will promptly provide any related Original Check (or Sufficient Copy of the front & back of the by you from Bank, or otherwise created as a byproduct of a transaction between you and Bank and retained by you, such data owned by line of the Original Check or an electronic image of the Original Check), whether with or without the subsequent delivery of the Original applicable account pending investigation and resolution of the claim. expenses, losses, or damages Bank may incur in implementing or attempting to implement your request for the reversal of a deposit. in the Funds Availability section of this Agreement. 3. transferring of a Substitute Check. Bank shall have no liability to you by reason of the rejection of any such Personal RDC Services activity for a reasonable period of time, but in no event fewer than fourteen (14) Business Days from the date of deposit Mobile RDC Terms & Conditions or such longer time as we may request from time to time with respect to any specific Original Check. This Agreement governs the MTCU Remote Deposit Capture service (the “Service”). (2) A copy of an Original Check means any paper reproduction of an Original Check, PO BOX 5060 by using a rate equal to the average Federal Funds rate at the Federal Reserve Bank of Dallas for the period involved. also, in our sole discretion, terminate your Personal Mobile RDC effective immediately if: (i) there is an occurrence of a material change Errors If any provision of this Agreement conflicts with the law under which this Agreement is to be construed or if any provision of this Agreement is held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. Presentment You may not change any of the terms and condition, including any terms and conditions governing fees, without our prior written approval. You must establish security procedures to safeguard original checks during the retention period to prevent the risk of theft; reproduction; unauthorized use; or the possibility of any fraudulent activity. Mobile Banking. deposits. If we are not going to make all of the funds from your Personal Mobile RDC available on the shall control, but only to the extent of such conflict or inconsistency. is drawn the Substitute Check or a paper or electronic representation of the Substitute Check. • Checks or items payable to any commercial or business entity Mobile RDC Service enables you to create and submit electronic check images (also known as Image Replacement Documents ("IRD") 3. <> WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. We capture items for collection through the Federal Reserve Bank’s image-based check clearing process using “bank of first deposit” status.

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